BlastPoint's Credit Union Scorecard

SPERO FINANCIAL

Charter #361 · SC

Community 500M-750M

167 CUs in 500M-750M nationally 3 in SC

View Community leaderboard →

SPERO FINANCIAL has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 28.8% in tier
+ Net Interest Margin 0.13% above tier average
+ Total Loans: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 13.0% in tier
- Efficiency Drag: Bottom 28.1% in tier
- Credit Quality Pressure: Bottom 28.3% in tier
- Credit Risk Growth: Bottom 64.5% in tier
- Membership Headwinds: Bottom 93.1% in tier
- Stagnation Risk: Bottom 93.1% in tier
- ROA 0.68% below tier average
- Efficiency ratio 6.40% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	45,420 -6.0% YoY-1.0% QoQ	+7.3K	38,079 -4.8% YoY	37,268 +3.6% YoY	33,913 +5.7% YoY	78%
Assets	$712.1M +1.1% YoY+0.7% QoQ	+$92.4M	$619.7M -0.2% YoY	$534.3M +6.5% YoY	$578.3M +9.0% YoY	Top 14.4% in tier
Loans	$573.9M +0.7% YoY-0.7% QoQ	+$154.6M	$419.3M -1.4% YoY	$369.7M +7.8% YoY	$402.4M +8.7% YoY	Top 4.8% in tier
Deposits	$634.0M -1.4% YoY+1.1% QoQ	+$94.5M	$539.5M -0.1% YoY	$450.9M +6.0% YoY	$494.3M +9.1% YoY	Top 10.8% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.0% -99.3% YoY-97.8% QoQ	-0.7%	0.7% +36.0% YoY	0.7% -43.3% YoY	0.4% -39.2% YoY	Bottom 7.2% in tier
NIM	3.6% -1.8% YoY-5.0% QoQ	+0.1%	3.5% +4.5% YoY	4.1% -0.5% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	84.8% +8.2% YoY+4.0% QoQ	+6.4%	78.4% -3.7% YoY	81.4% +7.0% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.8% +26.6% YoY+3.3% QoQ	+0.1	0.7% -0.9% YoY	0.8% +19.1% YoY	1.2% +3.4% YoY	64%
Loan To Share	90.5% +2.1% YoY-1.7% QoQ	+12.8%	77.7% -1.2% YoY	69.5% -0.5% YoY	65.6% -1.4% YoY	82%
AMR	$26,595 +6.0% YoY+1.2% QoQ	$-333	$26,927 +3.1% YoY	$16,971 +2.3% YoY	$19,920 +1.6% YoY	58%
CD Concentration	38.4% -3.5% YoY-1.5% QoQ	+14.1%	24.3%	18.0%	19.8%	Top 8.8% in tier
Indirect Auto %	8.6% -3.6% YoY-2.5% QoQ	-5.2%	13.8%	5.9%	7.7%	51%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#384 of 491 • Top 28.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.96%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#93 of 570 • Bottom 93.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#125 of 570 • Bottom 93.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.81%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#378 of 727 • Bottom 28.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#409 of 476 • Bottom 64.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#548 of 596 • Bottom 28.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.79%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.52% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -6.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Liquidity Strain

risk

#180 of 183 • Bottom 13.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.52%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 0.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 167 peers in tier

Top Strengths (5 metrics)

Total Loans

balance_sheet

Value: $573.92M

Peer Median: $427.27M

#8 of 167 Top 4.2% in 500M-750M tier

Total Deposits

balance_sheet

Value: $634.01M

Peer Median: $543.36M

#18 of 167 Top 10.2% in 500M-750M tier

Total Assets

balance_sheet

Value: $712.11M

Peer Median: $619.16M

#24 of 167 Top 13.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 90.52%

Peer Median: 79.97%

#30 of 167 Top 17.4% in 500M-750M tier

Total Members

engagement

Value: 45,420

Peer Median: 36,874

#36 of 167 Top 21.0% in 500M-750M tier

Top Weaknesses (7 metrics)

160

Member Growth Rate

growth

Value: -6.02%

Peer Median: 1.03%

#160 of 167 Bottom 4.8% in 500M-750M tier

159

Share Certificate Concentration (%)

balance_sheet

Value: 38.37%

Peer Median: 26.29%

#159 of 167 Bottom 5.4% in 500M-750M tier

155

Return on Assets (ROA)

profitability

Value: 0.00%

Peer Median: 0.61%

#155 of 167 Bottom 7.8% in 500M-750M tier

154

Net Worth Ratio

risk

Value: 8.12%

Peer Median: 10.35%

#154 of 167 Bottom 8.4% in 500M-750M tier

151

Deposit Growth Rate

growth

Value: -1.38%

Peer Median: 4.02%

#151 of 167 Bottom 10.2% in 500M-750M tier

149

Net Charge-Off Rate

risk

Value: 0.99%

Peer Median: 0.39%

#149 of 167 Bottom 11.4% in 500M-750M tier

127

Asset Growth Rate

growth

Value: 1.11%

Peer Median: 4.66%

#127 of 167 Bottom 24.6% in 500M-750M tier